• Where it went: a ring of your categories and your top merchants for any month, at the bottom of Charts. Tap a merchant to see every purchase there. • Two paydays, two amounts: paid twice a month with different amounts? Set each one in your profile and Commitments uses the right half. • Smoother toggles that glide to your pick. • Apple Pay purchases on a card that matches two accounts are now logged right away. Check the account on the card in chat if it guessed wrong.

Back up and restore: save everything to one file and restore it on another phone. Restoring adds to what is already there instead of replacing it. Smarter Apple Pay logging: purchases pick their own category and account, and the alert shows the card and what is left on it. Notes when you borrow or lend more: say what it was for, and it shows on the history. Fixed: undoing a payment or a skip on a bill due at the end of the month puts it back on the right day.

• Change a debt's payment plan from its Edit sheet. The day you pick is the day it keeps. • Money moved into an account that uses another currency now arrives in that currency. • Logging an expense in chat no longer clears your bill reminders.

New • Commitments tab: every bill, loan payment and savings goal for this cycle in one place, with what's left after them. • Skip a bill: not paying it this cycle? Skip it, the total drops, and you can undo it. • Pay without leaving the tab: mark a bill paid, move money into a pot, or take in your salary right from the list. • Savings goals: set aside an amount every payday, into a pot or just earmarked in place. • Calendar view: see the whole month at a glance, what's due, what's overdue, and payday. • Paydays for variable income: paid hourly or per gig? Pick how often pay lands and your paycheck joins Commitments, marked as an estimate. • TikTok Wallet: add a TikTok Wallet account, with the card art to match. • Apple Pay auto-logging: Apple Pay purchases can log themselves. Set it up once and they land in your chat. Improved • The top bar is a fuel gauge: the fill is money still in your hand, draining as the cycle eats into it. • Type what actually landed: receiving pay? The amount is a field now, starting at your usual figure. • Repeats get a row each: a weekly bill lists every occurrence in the cycle. • Reset the cycle your way: group by payday, calendar month, or a day you pick. • Call accounts by nickname: say "bpi" or "maya" in chat and the right account is found. Fixed • Transfers are not spending: moving money between your own accounts no longer counts against what you spent. • Answers cover every transaction: ask about a long stretch and the reply reads all of it. • Budget caps keep your typing: a digit typed into a category cap no longer jumps into another row.

• Set a custom twice-monthly payday schedule during setup. • Pay a credit card statement the way your bank bills it, including statement adjustments. • New LazPay and Salmon account presets. • Clearer pending installment cards in chat.

Big update focused on credit cards and chat. • Credit cards in chat: ask what you owe, see your statement, and pay a card right from a message. • New Statement of Account view on the card screen, with real statement periods. • Log debts and IOUs by chatting, including who you borrowed from and a repayment plan. • Real bank and card logos, more account presets, plus support for Qatar and the Qatari Riyal. • Smarter money answers: card installments now count toward your fixed monthly costs. • Better natural-language logging, with clearer handling of dates and income like "sweldo".

• Every built-in persona is now free. Pick whichever fits your mood. • Personas react to your spending with a lot more personality. • A quick income/expense switch right in the chat box. • Mark which bank accounts earn interest. • Tap anywhere to hide the keyboard. • Clearer Siri setup so "Hey Siri" commands work the first time.